He managed millions for Malaysia’s wealthy, yet a credit card debt taught him the money lesson most people learn too late. 🔴 𝗦𝘁𝗮𝗿𝘁 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗜𝗕𝗞𝗥 ➡️
https://www.interactivebrokers.com/mkt/?src=zietPY2&url=%2Fen%2Fwhyib%2Foverview.php

Bob Ngoh - https://www.instagram.com/bobngoh/

‼️Free Biweekly Newsletter ➡️ https://www.ziet.co/newsletter/

⬇️ Timestamps:
0:00 → Introduction
1:40 → What is a Private Wealth Banker?
5:07 → The Hidden Risks and Incentives Behind Bank Products
6:59 → How Malaysia’s Wealthiest Clients Think About Money
10:56 → Entering Banking at 29 With No Experience
12:06 → Rejected, Under-qualified, and Determined to Break In
17:32 → The Brutal Truth About Making Money in Private Banking
22:26 → Can a Banker Really Earn Six Figures a Month?
25:05 → What Malaysia’s Top 1% Understand About Wealth
29:02 → The Emotional Cost of Working With the Rich
30:26 → From a London Lifestyle to RM6,000 in Credit Card Debt
33:59 → How He Rebuilt His Finances and Reached Coast FIRE
36:12 → Twins, Marriage, and the Life He Actually Wants
40:00 → Why Social Media Makes Getting Rich Look Too Easy
42:15 → Bob Ngoh's Portfolio: Cash, ETFs, Bonds, and Property
48:11 → The Simple Money System That Gives Every Ringgit a Job
52:31 → Why He Left Banking to Teach Personal Finance
54:57 → The Perfectionism Trap Every Founder Must Escape
56:26 → How He Plans to Raise His Children Differently
58:53 → The One Money Lesson He Wishes He Learned at 24

In this episode, former private wealth banker and FMB Talk creator Bob Ngoh reveals what it was like managing millions of ringgit for high-net-worth individuals in Malaysia, how private banking, wealth management, bank investment products, commissions and client relationships actually work, and why many people earning RM30,000 can still struggle with cash flow and personal finance. Bob also shares his journey from business consultant to private banker, taking a 50% pay cut, accumulating credit card debt, rebuilding his finances, achieving Coast FIRE and leaving banking to become a finance content creator.

Behind the 1% is a series of interviews with the top 1% to uncover the success secrets that the 99% are missing.

Nominate yourself or someone you know to share their expertise and insights on "Behind the 1%" ➡️ https://forms.gle/D6eCdSNNw2iFmAy66

—

1% SOCIAL MEDIA LINKS
⚫️ Facebook → https://www.facebook.com/profile.php?id=61572415945806
⚫️ Instagram → https://www.instagram.com/the_onepct/
⚫️ Twitter → https://x.com/the_onepct
⚫️ Email → onepercent@ziet.co

—

❗️USEFUL LINKS❗️
✅Start Investing in the U.S. market now!👇🏻
https://www.youtube.com/playlist?list=PLNtoL6rfNKdm_1un9xXF5zv7-lsaLwgVV
✅Full Interactive Brokers Playlist👇🏻
https://www.youtube.com/playlist?list=PLNtoL6rfNKdmoHyOx4ft2q9L3ue1HjE8n
✅Beginner's Step-By-Step Playlist to Start Investing 👇🏻
https://www.youtube.com/playlist?list=PLNtoL6rfNKdkmIijHCaNqj19QaWzXWY1q
✅Exchange-Traded Funds (ETFs) Playlist 👇🏻
https://www.youtube.com/playlist?list=PLNtoL6rfNKdk74aq-253KcjLIFfn9Z6Y4

—

ZIET SOCIAL MEDIA LINKS
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🟣Instagram → https://www.instagram.com/ziet_invests/
🐦Twitter → https://twitter.com/ZietInvests
🌐Website → https://www.ziet.co

—

Bob Ngoh
FMB Talk
Malaysia personal finance
Private banking Malaysia
Private wealth banker Malaysia
Wealth management Malaysia
High net worth individuals Malaysia
How rich people think
Malaysia top 1 percent
How wealthy people manage money
Money mindset Malaysia
Money management for beginners
Financial literacy Malaysia
Behind the 1%

#BobNgoh #FNBTalk #PersonalFinanceMalaysia #MalaysiaFinance #PrivateBanking #PrivateWealth #WealthManagement #FinancialFreedom #CoastFIRE #FIREMovement #MoneyManagement #Budgeting #InvestingMalaysia #CreditCardDebt #CashFlow #EmergencyFund #ETFInvesting #BondInvesting #PropertyInvestment #MoneyMindset #FinancialLiteracy #HighNetWorth #MalaysiaPodcast #BehindThe1Percent

—

Disclaimer: This content is provided by a paid Influencer of Interactive Brokers. Influencer is not employed by, partnered with, or otherwise affiliated with Interactive Brokers in any additional fashion. This content represents the opinions of Influencer, which are not necessarily shared by Interactive Brokers. The experiences of the Influencer may not be representative of other customers, and nothing within this content is a guarantee of future performance or success.

None of the information contained herein constitutes a recommendation, promotion, offer, or solicitation of an offer by Interactive Brokers to buy, sell or hold any security, financial product or instrument or to engage in any specific investment strategy. Investment involves risks. Investors should obtain their own independent financial advice and understand the risks associated with investment products and services before making investment decisions. Risk disclosure statements can be found on the Interactive Brokers website.

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Link to join my team in property investment club: https://bit.ly/3VmJixM
For property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rb

When all projects are designed in accordance to similar building guidelines and business settings, they will tend to look similar. The only difference will be the surrounding and relevance of that address to you as the buyer.

For Shah Alam Sentral, it is very exciting because all main infrastructures such as park, mall, offices, public buildings are all completed. Then the brand new Dato Menteri station will push the township to the next level as it's connected to Bandar Utama and I-City.

Enjoy the session:)

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Dalam episode pertama tahun 2026 ini, kami menjemput Tuan Ahyat Ishak, seorang pakar dalam bidang hartanah untuk memberi pendapat mengenai industri hartanah dalam negara.

Beliau juga berkongsi tips kepada mereka yang merancang untuk membeli rumah pertama atau rumah ketiga.

Follow/Like Vocket di laman sosial media lain seperti:

Facebook: https://www.facebook.com/thevocket
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Threads: https://www.threads.com/@vocket
IG: https://www.instagram.com/vocket/

0:00 Intro
6:50 Faktor Harga Rumah
8:40 Mitos Hartanah
10:50 Guru Yang Betul
11:32 Tekanan Ibu Bapa
14:20 Gaji Sesuai Beli Rumah
18:30 Apa Bank Lihat Pada Pembeli?
25:50 Beli Rumah Subsale Atau Undercon?
32:05 BNPL
36:50 CCRIS
39:50 Beli Rumah Guna KWSP
43:15 Beli Hartanah Tak Siap
50:10 Sale And Purchase Agreement
56:50 Freehold Dan Leasehold
1:02:30 Peraturan 78
1:13:20 Fixed Rate Dan Floating Rate
1:16:45 Kos Tersembunyi
1:25:49 Rumah Ada Unsur Mistik
1:30:50 Rumah Terlibat Bencana Alam
1:36:50 Masa Terbaik Beli Rumah
1:48:56 Closing

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Dalam episode kali ini, Voccast menjemput salah seorang pakar dalam pengurusan kewangan iaitu Dr Hanzalah Mizi dimana beliau berkongsi pandangan dan juga tips untuk masyarakat di luar sana agar lebih bijak dalam menguruskan kewangan mereka.

Follow/Like Vocket di laman sosial media lain seperti:

Facebook: / https://www.facebook.com/thevocket
X: https://x.com/thevocket
Threads: https://www.threads.com/@vocket
IG: / https://www.instagram.com/vocket/

0:00 Intro
3:25 Dari Medical Ke Kewangan
5:45 Bisnes Pertama
7:40 Mentor Bisnes
9:35 Kesalahan Aanak Muda
12:30 FOMO
15:00 Bisnes Atau Invest
19:40 Bisnes Di Masa Krisis
22:35 Bisnes Untuk Begineer
25:55 Kenal Pasti Mentor
30:20 Nasihat
33:50 Ubah Mindset
38:50 Skill Untuk Survive
41:00 Konsep 2 Kerja
43:39 Dana Kecemasan
45:17 BNPL
49:01 Impulsive Buying
51:15 Loan
1:08:08 Closing

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Perkara yang selalu orang gaduh, nak beli rumah ke atau nak sewa je? Mari dengarkan penjelasan daripada Zarif Azrie, Tukang Kira-kira.

Podcast penuh ➜ https://youtu.be/CkDP4ekybRo?si=iUxpXidmBSV3Wjvk

Ikuti channel terbaru kami Financial Faiz Podcast untuk stay update dengan topik-topik kewangan, lifestyle, career dan banyak lagi.

🍎 YouTube ➜ https://www.youtube.com/@financialfaizpodcast
📘 Facebook ➜ https://facebook.com/financialfaizpodcast
🍇 Instagram ➜ https://www.instagram.com/financialfaizpodcast
🐼 Tiktok ➜ https://www.tiktok.com/@financialfaizpodcast
🧊 Telegram ➜ https://t.me/financialfaizpodcast

For business inquiries and job inquiries, please contact us at:
📧 Email ➜ marketing@financialfaiz.com

Nak beli rumah dulu ke atau sewa je? - Zarif Azrie, Tukang Kira-kira

#financialfaiz #financialfaizpodcast #rumah #sewa #belirumah

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Belajar direct dengan Faizul Ridzuan pasal property dan kewangan. Boleh tanya semua soalan. Daftar di https://fire.farcapital.com.my/fire-mls

#faizulridzuan #kewangan

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Jangan silap beli rumah. Belajar direct dengan Faizul Ridzuan pasal property dan kewangan. Daftar di https://fire.farcapital.com.my/fire-mls

#faizulridzuan #keusahawanan

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What does it actually take to build a property portfolio that lasts a lifetime? 🔴 𝗦𝘁𝗮𝗿𝘁 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗜𝗕𝗞𝗥 ➡️ https://www.interactivebrokers.com/mkt/?src=zietPY2&url=%2Fen%2Fwhyib%2Foverview.php%3Fnored%3Dt

🔴 𝗦𝘁𝗮𝗿𝘁 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗜𝗕𝗞𝗥 ➡️ https://www.interactivebrokers.com/mkt/?src=zietPY2&url=%2Fen%2Fwhyib%2Foverview.php%3Fnored%3Dt

‼️Free Biweekly Newsletter ➡️ https://www.ziet.co/newsletter/

⬇️ Timestamps:
0:00 → Intro
1:13 → Sean’s Entry Into Property Investment
8:00 → Sean’s Portfolio & His First Property Mistake
15:14 → How Do You Actually Profit From Property?
22:12 → The 4 Steps to Getting Started in Property
27:58 → Different Ways People Buy Property
32:45 → The Behaviour of Malaysian Property Investors
35:32 → Two Key Factors Before Buying Any Property
42:00 → New Launch vs Subsale Properties
46:38 → How Malaysia Compares to Global Property Markets
59:06 → How to Force Appreciation in a Property
1:05:12 → Choosing the Right Exit Strategy
1:08:33 → Rent Where You Live, Buy Where You Invest
1:19:34 → Sean’s Other Investment Plays
1:26:13 → Why Savings Matter When Opportunities Appear
1:31:37 → If You Could Change One Thing, What Would It Be?

In this episode, I interview iHerng (Sean Tan) to break down his "Buy-to-Operate" strategy. We skip the complicated jargon and focus on a "Blueprint for Beginners," covering how to spot hidden gems in the market and the real costs of owning a home. Sean shares his stories about the biggest mistakes and successes during his career and teaches us how to manage risk and build a solid portfolio. From renting versus buying to future market trends, this conversation is the perfect guide for anyone starting their property journey.

Behind the 1% is a series of interviews with the top 1% to uncover the success secrets that the 99% are missing.

—

1% SOCIAL MEDIA LINKS
⚫️ Facebook → https://www.facebook.com/profile.php?id=61572415945806
⚫️ Instagram → https://www.instagram.com/the_onepct/
⚫️ Twitter → https://x.com/the_onepct
⚫️ Email → onepercent@ziet.co

—

❗️USEFUL LINKS❗️
✅Start Investing in the U.S. market now!👇🏻
https://www.youtube.com/playlist?list=PLNtoL6rfNKdm_1un9xXF5zv7-lsaLwgVV

✅Full Interactive Brokers Playlist👇🏻
https://www.youtube.com/playlist?list=PLNtoL6rfNKdmoHyOx4ft2q9L3ue1HjE8n

✅Beginner's Step-By-Step Playlist to Start Investing 👇🏻
https://www.youtube.com/playlist?list=PLNtoL6rfNKdkmIijHCaNqj19QaWzXWY1q

✅Exchange-Traded Funds (ETFs) Playlist 👇🏻
https://www.youtube.com/playlist?list=PLNtoL6rfNKdk74aq-253KcjLIFfn9Z6Y4

—

ZIET SOCIAL MEDIA LINKS
🔵Facebook → https://www.facebook.com/ZietInvests
🟣Instagram → https://www.instagram.com/ziet_invests/
🐦Twitter → https://twitter.com/ZietInvests
🌐Website → https://www.ziet.co
💭Telegram → https://t.me/+fIOOXUQJjsVmNmY1
🏠Discord → https://discord.gg/sVkK3Mfujw

—

#malaysia #propertyinvestment #malaysiaproperty #realestatemalaysia #propertytips #propertyinvesting #realestateinvesting #financialfreedom #realestate #propertymarket2025 #investingtips #homebuying #rentalyield #propertyportfolio #realestatestrategy #smartinvesting #propertymalaysia #wealthbuilding #firsttimehomebuyer #realestatetips #kualalumpurproperty #propertyeducation #financialplanning #investsmart #propertyjourney #househunting

—

Disclaimer: This content is provided by a paid Influencer of Interactive Brokers. Influencer is not employed by, partnered with, or otherwise affiliated with Interactive Brokers in any additional fashion. This content represents the opinions of Influencer, which are not necessarily shared by Interactive Brokers. The experiences of the Influencer may not be representative of other customers, and nothing within this content is a guarantee of future performance or success.

None of the information contained herein constitutes a recommendation, promotion, offer, or solicitation of an offer by Interactive Brokers to buy, sell or hold any security, financial product or instrument or to engage in any specific investment strategy. Investment involves risks. Investors should obtain their own independent financial advice and understand the risks associated with investment products and services before making investment decisions. Risk disclosure statements can be found on the Interactive Brokers website.

Interactive Brokers is a FINRA registered broker and SIPC member, as well as a National Futures Association registered Futures Commission Merchant. Interactive Brokers provides execution and clearing services to its customers. For more information regarding Interactive Brokers or any Interactive Brokers products or services referred to in this video, please visit www.interactivebrokers.com

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This is the full session of the talk I had with the team in Pantai Sentral Park. And this round, I'm accompanied by Bob who is a very successful financial planner.

For viewing arrangements of the latest project in Pantai Sentral Park, do reach out to the team directly:
Website: https://pantaisentralpark.com/enlace-suites/

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Shout-out to the team at Nesh for sponsoring this video. Well I'm an existing user anyway, so personally I would strongly recommend them especially the outdoor filter. Do use the promo code: IHERNG200 for RM 200 off!!
Website: https://bit.ly/3PIq4Ci

Link to join my team in property investment club: https://bit.ly/3VmJixM

For property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rb

Congratulations to this audience for getting his SG PR. That allows him to fully maximize his earnings in SGD but that disrupted his plan for his investment in Bukit Jalil. Therefore within the episode, we discussed about what to do with the property based on the potential tenant profile and rental returns.

However, these should be figured out before buying not after.

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Link to join my team in property investment club: https://bit.ly/3VmJixM
For property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rb

Recently I get to hang out at InvestFair with the team from @doitduit and we discussed about Malaysia property market.

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Link to join my team in property investment club: https://bit.ly/3VmJixM
For property makeover services, use promo code: SEANTANMAKEOVER22 for discount: https://wa.link/0ea7rb

This is the full video of my sharing in Eco Ardence:)

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